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��14�1354 required by RESPA, and Barrow�r shall pay to Lender the amaunt ne�essary ta make up the deficiency in accardance with RESPA, but in no more than 12 monthly pa�ments. Upon payment in fu11 af a�l sums secured by this Security Instrument, Lender sha1l pramptly refund to E�rrower any Funds held by Lender. 4. Charges: Liens. Borrower sha1�pay all taxes, assessments, charges, fines, and�mpositions a�tributabie ta the Prap�rty which can a�tain priority a�er this Security�ns�rument, �easeho�d payments ar ground rents an the Pr�perty, if any, and Community Ass�c�ation Dues, Fees, and Assessments, if any. Ta the extent that these i�ems are Escrow Items, B�rrower shall pay them in�he manner pro�ided in S�ctinn 3. Borrawer shall pramp�ly discharg�any lien vvhich has priority a�er this S�cur�ty Instrument unl�ss Barrower: �a� agrees in writing to the paymen�of the nbligatian secured by the lien in a manner acc.eptable to Lender, but anly so long as Borraw�r is performing such agreement; �b} con�ests the lien�n good faith by, �r defends against enforcem�nt vf the�ien in, 1ega1 praceedings whiCh in Lender's�pinion�p�rate�a pre�ent the enfvrcement af th�lien while those praceedings are pending, bu�anly until such proceedings are concluded; ar�c} secures from the h�lder�f the lien an agreement satisfactory to Lender subordinating the ii�n to this 5�curity �nstrument. If L�nder determines�hat any part of th�Praper�y is sub�ect to a�i�n whi�h can attain priarity o�er this Security Instrument, Lender may gi�e Borrow�r a notice id�ntify�ng the lien. Within ��days of the date on which that notice is gi�en, Borrawer shall satisfy the lien�r take ane ar mor� of the ac�ions s�t fflrth aba�e in this Sectian 4. Lender may require Borrovv�r to pay a one-time charge far a real�state ta��erifica�ion andlor reparting ser�ice us�d by Lender in coru�ection with this Loan. �. Property Insurance. Bnrrower sha1�keep the�mpra�ements now existing�r her�after erected on the Prop�rty insured against lass by f�re, hazards in��uded w�thin the t�rm "extended co�erage," and any other hazards including, bu�not limited to, earthquakes and fl�Qds, far which Lender r�quires in�uranc�. Thi� insurance shall be mainta�ned�n the amounts�in�luding deductible 1e�els} and for th�periods that Lender re�uir�s. What Lender requires pursuant to the preceding sentences can change during the�erm af the Laan. The insurance carrier prv�iding�he insuranc�sha11 be chosen by Borr�wer subject to Lender's right�o disappro�e Barrow�r's ch��ce, which right�hal1 not�e exercised unr�asonab�y. L�nder may require Borrow�r to pay, in conn��ti�n v�rith this Loan, either: �a} a one-time charge far#�ood zane determination, c�rti��ation and tracking ser�ices; ar�b} a ane-time charge far flood zone d�ter�runation and certificat�on ser�ices a.nd subsequ�nt charges�ach�ime remappings or similar changes occur v�hi�h reasonably might affe�t such det�rmination or certification. Borrov�rer shall also be responsible for the payment of any fees impased by the Federal Ernergen�y Management Ag�n�y in cor�nectian with the re�i�v�af any flaod zone det�r•mination resulting fram an objectian by B►�rrovver. , If E►�rrawer fails�o maintain any of the coverages described aba�e, Lender may obtain�nsurance co�erage, a�Lender's option and B�rrawer's e�pense. Lender�s under no o�ligation to purchase any particular�yp�or amaunt�f co�erage. Therefare, such ca�erage shail co�er Lender, but might ar might nflt pratec�Borrower, B�rrower's equity in the Praperty, ar the cont�nts of the Praperty, against any risk, hazard or liability and might prv�ide grea�er or lesser co�erag�than was pre�iously in�ffect. Borrower acknowl�dges that the�ost of the insuran�e co�erage so obtained muight signi�cantly exceed the cast of�nsuranc�that Borrower cvu�d ha�e obtained. Any amoun�s disbursed by Lender under this Section 5 shall become additional debt�f Borrower secured by this Security Instrument. These amounts sha11 bear interest at�he Not�rate fram th� date of disbursement and sha��be payab�e, with such interest, upon natice from L�nder to Barrawer r�questing payment. NEBRASKA-Sing#e Family-Fannie MaelFreddre Mac UNIF�RM iNSTRUMENT Fvrm 3�28 1101 VMP� VMPfi(IVE��i 3fl2).�� Wolters Kluwer F�nancial Services Page fi a#17